As one indicated, the only possibility I see is if you can secure a seller carry-back.........that said, you will also need a lender who will allow that with a CLTV of 90% which truthfully may be very difficult.
Good Luck and find a good CA broker to help you.
Do you have any relatives that could help you with 5%, in which case we have a 1st and 2nd program ,in house, for up the 85% loan to value (80/5/15)
Fee free to call me for further details (we do loans anywhere in CA)
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
NMLS 304353 - DRE 01380701
There are very few companies doing loans over 729K. The companies that I know want 20% down, however they may agree to 15%, provided the file is strong. You have good FICO, that is good. What about DTI? What above reserves? What about assets in IRA, 401K?. Can you get a gift ? Wage Earner or Self-employed?
Please ponder over these and feel free to contact me.
Also, maybe the Seller will take a 2nd.
Call me if you want to discuss 310-741-7179